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All comparisons
Head-to-head, 2026

Capital One QuicksilverOne Rewards Capital One Spark Cash

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Capital One QuicksilverOne Rewards

Capital One

QuicksilverOne Rewards

Annual fee
$39
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 5×Hotels, rental cars, and vacation rentals
  • 5×Capital One Entertainment purchases
  • 1.5×All other purchases

Key benefits

  • 50% off Capital One Café beverages · $0
  • $0 Fraud Liability · $0
  • No Foreign Transaction Fees · $0
  • Automatic credit line review · $0
  • Capital One Travel price match · $0
Full Capital One QuicksilverOne Rewards review

Capital One

Spark Cash

Annual fee
$95
Network
visa
Welcome value
$1,000
Min spend
$10,000 / 3mo

Top earning rates

  • 5×Hotels and rental cars
  • 2×Every purchase

Key benefits

  • Expense management software · $0
  • Year-end summaries · $0
  • $0 Fraud Liability · $0
  • Roadside Assistance · $0
  • Accounts Payable · $0
Full Capital One Spark Cash review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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